> You have your threat model and I have mine. Apple mitigated that issue last year. https://support.apple.com/en-us/120340 https://support.apple.com/en-us/120

> You have your threat model and I have mine. Apple mitigated that issue last year. https://support.apple.com/en-us/120340 https://support.apple.com/en-us/120340 > The ATM is on the way to the subway (which has poor reception), and we're talking about once a month here. And my phone is always on my person. You don’t need “reception” to use your debit card. > Changing habits to spend less money works by using cash works in a way that I couldn't get to work with a debit/credit card And yet my 80 year old mom can as far as debit cards and my 82 year old dad just started using Apple Pay. He had a really old Android before that couldn’t use Google Pay